Top 6 Best Business Bank Account with Invoicing

Looking for a business bank account with invoicing? While many business accounts can help you streamline your transactions and hold money safely, finding one with invoicing software that meets your business needs can be challenging.

In this guide, we will review the best business bank accounts with invoicing for UK businesses. We will compare their cost, features, integrations, and share tips to help you choose the right one.

We will also show you a non-bank alternative, Wise Business. With Wise Business you can create and send invoices, receive money in 18+ currencies, and manage your business finances at ease.

💡 Learn more about Wise Business

Business accounts with invoicing

Invoicing is an important part of any business, and getting a business account with invoicing will help you get paid faster and reduce the stress of juggling between apps. In this guide, we will compare the best business accounts with invoicing, and we will review both bank and non-banking providers, including:

• Wise Business
• Tide
• Starling
• Revolut Business
• ANNA Money
• Zempler

Business bank accounts with invoicing: overview of providers

Bank/ Provider	Trustpilot score	Monthly fee	Best known for
Wise Business	4.4 from +270k reviews¹	£0 (one-time account opening fee of £45²	Global invoicing and international payments
Tide	4.1 from +26k reviews³	Free plan: £0, Smart plan: £12.49 + VAT, Pro: £24.99 + VAT, Max: £69.99 + VAT⁴	Automated book keeping and invoicing for SMEs
Starling	4.2 from +45k reviews⁵	£0⁶	Affordable personal and business banking
Revolut Business	4.6 from +270k reviews⁷	Basic plan: £10, Grow: £30, Scale: £90⁸	Money management and investing
ANNA Money	4.4 from +4k reviews⁹	Pay as you go: £0, Business: £19.90 + VAT, Big Business: £49.90 + VAT¹⁰	Accounting and tax filing for UK businesses
Zempler	4.2 from +14k reviews¹¹	Business Go: £0, Business extra: £9, Business pro: £9¹²	Online banking for UK small businesses and sole traders

Comparing business accounts with invoicing: criteria

We will compare business bank accounts with invoicing based on the following criteria:

• Eligibility
• Features and services
• Fees
• Integrations

Wise Business

Wise Business is a multicurrency account that lets businesses of all sizes send and receive money in 40+ currencies at the mid-market exchange rate. Its invoicing feature makes it easy to create professional invoices in just a few clicks. You can also integrate Wise Business with popular accounting software to sync transactions and manage your finances more efficiently. Wise business has a Trustpilot score of 4.4 from +270k reviews².

“Wise has very fast transfer and deposit time, one of the best rates in the market, great business account for international transactions and invoicing” – John

Eligibility

• Sole traders and freelancers
• Limited and public companies
• Partnerships
• Charities and trusts in the European Economic Area (EEA), Canada, US, Switzerland, Australia, and New Zealand

Check out all requirements to open a Wise Business account.

Features and services

• Generate and send invoices
• Flexible payment acceptance via bank transfer, Wise transfer, debit/credit, PayNow, Interac, and Open banking
• Send batch payments
• Hold and exchange 40+ currencies at the mid-market exchange rate¹
• Business debit card
• Team management

Pricing³

• One time registration fee: £45
• Sending money: from 0.33% (fees vary by currency)
• Receiving domestic payments (non-SWIFT/non-wire): free
• Receiving GBP swift payments: £2.16
• Converting money: from 0.33% (fees vary by currency)
• Payments with the Wise card: free

Integrations

• Quickbooks
• Xero
• FreeAgent
• ZohoBooks
• FreshBooks

Manage all your international invoices in one place with Wise Business. Enjoy transparent fees and seamless online payment processing, so you can focus on expanding your global reach.

Get started with Wise Business 🚀

Tide

Tide is a comprehensive business platform that offers an FSCS-protected bank account for UK SMEs. With Tide, you can easily manage your business’s transactions, expenses, bookkeeping and invoicing, with no recurring fees, making it one of the best business bank accounts with invoicing.

Tide has a Trustpilot score of 4.1 from +26k reviews⁴.

Eligibility

Tide offers business bank accounts to freelancers, sole traders and directors of limited companies. These businesses/owners should:

• Be a minimum of 18 years old¹⁸
• Have a UK valid phone number and address
• Be registered with HMRC for freelancers and sole traders, or
• Be registered with Companies House for directors

Features and services

• Invoicing: Send and track invoices, automatic reminders, automatching payments, and payment links
• Send and receive payments
• Expense cards and virtual cards
• Bill tracking
• Business expense management and financing
• Self-assessments and VAT returns
• Payroll management

Pricing

Invoicing plans¹⁴:

1. Get Invoices Paid

• Monthly fee of £6.99 + VAT
• Payment links transaction fee: 0.79% +9p
• Pay by bank transaction fee: 1% capped at £5 per transaction

1. Pay As You Go

• Monthly fee: £0
• Payment links transaction fee: 1.5% + 9p
• Pay by bank transaction fees: 1.5% up to £1000

General plans⁵:

• Free plan: £0 monthly fee and 20p for transactions to/from other banks
• Smart plan: £12.49 + VAT comes with 25 free transfers to/from other banks
• Pro plan: £24.99 + VAT with unlimited free transfers
• Max plan: £69.99 + VAT with unlimited free transfers

Integrations

• Xero
• Quickbooks
• Sage
• FreeAgent
• Kashflow
• Crunch
• Clearbooks

Still uncertain about Tide? Check out our full Tide Accounting review

Starling Business

Starling Business is a fully regulated FSCS business bank account with invoicing. Unlike non-banking options, Starling offers the benefits of a traditional bank account, such as free account setup and physical services like cash deposits and check handling, while also providing you with digital banking services.

Starling Bank has a Trustpilot score of 4.2 from +45k reviews⁶.

Eligibility

Starling offers business accounts on a case-by-case basis. You might be eligible if:

• You are a sole trader in respect to your business
• You are a limited company registered at Companies House
• All persons of significant control in your limited company are UK residents and individuals
• All directors with access to the accounts are UK residents

Features and services

• Invoicing: create and send invoices globally, add discounts to invoices, track payments with automatic matching and detailed statuses
• Bills and payments: manage bills, schedule and make bulk payments, accept contactless payments
• Bookkeeping, VAT management and tax estimation tool
• Business spending insights

Pricing⁷

• Monthly fee: free for GBP account
• Business tool kit add-on fee: £7 (VAT included)
• Bulk payments fee: £7 (VAT exempt)
• Sending money within the UK: free for faster payments, direct debits and standing orders
• Receiving GBP payments: free

We cover Starling’s fees in full in our Starling fees guide

Integrations

• Xero
• Quickbooks
• FreeAgent
• Clear Books
• Crunch
• Kashflow

Revolut Business

Revolut is an all-in-one business management platform that helps businesses transact in multiple currencies, manage spending, save, and invest money. Its invoicing feature makes billing simple by automatically adding VAT and giving your clients multiple ways to pay. Revolut has a Trustpilot score of 4.6 from +270k reviews⁸.

Eligibility

To open a Revolut Business account, your company must be registered in the UK or EEA region as a:

• Private Limited Company
• Public Limited Company
• Limited Liability Partnership
• Limited Partnership
• Partnership

Features and services

• Invoicing: create and schedule invoices, set reminders for unpaid invoices, set recurring invoices and add VAT automatically to invoices
• Global and local account details
• Transfers to 150+ destinations¹⁵
• Accept payments online, in person and via payment links across 35+ currencies¹⁶
• Capture and pay bills with AI
• Corporate cards (physical and virtual)
• Expense management
• Bulk transfers
• Point of sale and Tap to pay on iphone
• Interest on savings

Pricing⁹

• Basic: £10/month with business essentials
• Grow: £30 with everything on basic plus spend management features
• Scale: £90/month with higher allowances

You can also build a custom plan that meets your business needs by reaching out to the Revolut team.

Check out our full Revolut Business account review and our Wise Business vs Revolut Business guide

Integrations

• Xero
• Sage
• Quickbooks
• Woo commerce
• Shopify
• Zapier
• Bamboo HR

ANNA Money

ANNA money is a business account designed to help UK businesses with invoicing, Tax filing, bookkeeping, and expense management. It's both affordable and comprehensive, making it one of the best business accounts with invoicing for sole traders and startups. Anna Money has a Trustpilot score of 4.4 from +4k reviews¹⁰.

“ANNA money understands how tough running a small business is, but they allow me to do everything via my phone. They do all my invoicing and debt collection” – Peter Mccormack

Eligibility

• Sole traders, limited companies and partnerships registered in the UK
• Individuals must be 18 years or older¹⁷

Features and services

• Send professional invoices
• Send and receive payments with payment links and QR codes
• Expense tracking and matching
• Business debit and virtual cards
• Standing orders, direct debits and scheduled payments
• Payroll management
• VAT filing tool, VAT and Income Tax calculator
• Work from home expenses calculator for sole traders

Pricing¹¹

• Pay As You Go: £0 with access to basic accounting features
• Business: £19.90 + VAT with 60 free local transfers
• Big Business: £49.90 + VAT with unlimited transfers
• Taxes add-on: £24.00

Integrations

• Xero
• Sage
• Ebay, Etsy, Amazon, Shopify, Woocommerce

Find out more about ANNA Money in our full ANNA business account review

Zempler

Zempler is a business bank account with invoicing that offers online banking for sole traders and startups in the UK. Zempler has full FSCS regulation, and you can receive money and make transfers for free. With its invoice generator, you can edit, send and manage invoices quickly and easily.

Eligibility

• UK-based sole traders or freelancers, limited companies, charities and partnerships
• Sole traders must not be registered at Companies House, and limited companies must be registered at Companies House

Features and services

• Create, edit, send and manage invoices
• Send and receive international payments
• Cashflow tracking and integrated accounting
• Digital receipt capture
• Business cards
• Making Tax Digital tool
• Business credit builder
• Business registration

Pricing¹³

• Business Go: £0/month
• Business extra: £9/month
• Business pro: £19/month

You can receive money for free on each of these plans.

How to choose the right business account

The right business account for your business depends on your business needs and budget. Here are some things to consider when choosing a business bank account with invoicing:

• Volume of transactions: Consider how often your business carries out transactions and whether they are large or small. This will help you choose the most helpful and cost-effective business bank account.
• Fees: Comparing the monthly fees of various accounts and additional fees like transaction fees, card fees, and withdrawal fees will help you find the cost-effective option for your business.
• Invoicing and accounting: A good business account should go beyond processing transactions. It should have features and services to help you get paid faster.
• Customer support: Sometimes issues happen, a business account with accessible and helpful customer support makes all the difference.
• Regulations and security: Ensure the business account is well-regulated by the Financial Conduct Authority (FCA). Also look out for security features like multifactor authentication, data encryption and fraud monitoring.

Receive international payments with Wise Business

Wise can help UK businesses, freelancers and sole traders get paid by customers in multiple currencies, with low fees and the mid-market exchange rate.

Your Wise Business account comes with local account details to get paid in 8+ major foreign currencies like Euros and US Dollars just as easily as you do in Pounds.

All you need to do is pass these account details to your customer, or add them to invoices, and your customer can make a local payment in their preferred currency with different payment methods. You can also use the Wise request payment feature to make it even easier and quicker for customers to pay you.

Get started with Wise Business 🚀

FAQs - Business bank account with invoicing

How does an integrated invoicing feature streamline the payment reconciliation process?

Integrated invoicing feature streamlines the accounts reconciliation process by automatically matching incoming payments to invoices using references, amounts and customer details. They also provide real-time status updates so you can easily see customers who have paid or are yet to pay.

What are the advantages of using a business account with built-in invoicing over a standalone platform?

A bank account with built-in invoicing provides additional features and benefits that standalone platforms do not. With a bank account, you can send and receive payments directly, reconcile payments faster and see your cash flow in real time without having to switch between apps.

How do business accounts with invoicing handle multicurrency payments and exchange rates?

Business accounts handle multicurrency payments and exchange rates by letting you send invoices in multiple currencies. Oftentimes, you'll receive the payments in your corresponding currency balance, so no conversion is needed. When conversions are needed, business accounts use the official exchange rate (plus a fee) or the midmarket exchange rate.

Are there hidden fees associated with receiving payments through integrated invoicing tools?

While some integrated invoicing tools allow users to receive payments for free up to a certain limit, most charge a fixed fee or a percentage of the payments received.

To what extent can I customise invoices sent from a business account to match my company's branding?

Most business accounts provide full customisation options to help you create professional invoices that reflect your brand. You can add a logo, change fonts, adjust colours, layout, and include personalised messages or payment terms in your preferred language.

What variety of payment methods can my customers use when paying an invoice from an integrated business account?

Integrated business accounts offer a wide range of payment methods, including bank transfers, debit and credit cards, payment links and sometimes digital wallets. This way, customers can easily pay you in the most convenient way for them.

How does a business account with invoicing simplify accounts receivable management?

A business account with invoicing simplifies your accounts receivable management by offering invoicing and banking on the same platform. You can create and send invoices directly, automatically match payments, and receive those payments into your bank account. Other features like automatic reminders and recurring invoicing will also help you stay on top of your AR processes and improve cash flow.

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A business bank account with invoicing helps you manage business finances from payments to invoicing and accounting, all from one place. The best account for your business will depend on your specific needs and budgets. A good way to start is by listing out what you need, then comparing it with the services and pricing each provider offers to make the right choice.

Sources used in this article

1. Wise Business Trustpilot page
2. Wise Business pricing page
3. Tide Trustpilot page
4. Tide pricing page
5. Starling Bank Trustpilot page
6. Starling bank fees pages 1 and 2
7. Revolut Trustpilot page
8. Revolut pricing page
9. ANNA Money Trustpilot page
10. ANNA Money pricing page
11. Zempler Trustpilot page
12. Zempler pricing page
13. Tide invoicing plans
14. Revolut Business homepage
15. Revolut Business invoicing page
16. ANNA Money business account page
17. Tide Eligibility page

Sources last checked on 22/09/2025.